Terms of Service & Regulatory Disclosures

1Acceptance of Terms & User Eligibility

These Terms of Service ("Terms") constitute a legally binding electronic agreement between you ("User" or "Member") and Zuvon Technologies ("Zuvon", "we", "us", or "our"). By creating an account, accessing the platform, or submitting verification proof, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

Eligibility Requirement: You must be at least eighteen (18) years of age (the age of majority under the Indian Majority Act, 1875) and possess the legal capacity to enter into a binding contract under the Indian Contract Act, 1872. Use of this platform by minors is strictly prohibited.

2Strict Non-Financial Institution Disclaimer

Zuvon is solely an independent promotional rewards and marketing aggregation platform.

• Zuvon is not a bank, Non-Banking Financial Company (NBFC), lender, insurer, credit broker, or payment system operator under Indian law or regulations issued by the Reserve Bank of India (RBI), SEBI, or IRDAI.
• Zuvon does not originate loans, issue credit cards, provide depository accounts, or broker insurance policies.
• Nothing on this platform constitutes financial, investment, credit, tax, or legal advice. Any figures, estimates, or rewards are promotional incentives only.

3Third-Party Provider Independence & Discretion

All featured campaigns, applications, trials, and services are provided exclusively by independent third-party commercial entities ("Providers"):

• Providers maintain exclusive authority over user eligibility, credit underwriting, account approval, fulfillment, pricing, and terms.
• Zuvon does not guarantee that any Provider will accept, approve, or fulfill your transaction or subscription.
• Your relationship with any Provider is governed solely by that Provider’s own terms of service and privacy policy.

4Promotional Rewards Policy & Verification Requirements

Rewards displayed on Zuvon are discretionary, conditional promotional rebates and are not guaranteed earnings, wages, interest, or securities:

• Prerequisites for Reward Clearing: Users must (a) initiate the action via our designated tracking redirect link, (b) fulfill all specific milestone criteria, (c) submit authentic, unedited screenshot proof within the campaign window, and (d) pass automated anti-fraud checks and manual administrative audit.
• Zero Inherent Value: Uncredited or pending rewards hold no cash value, equity interest, or property right. A reward becomes payable only upon final administrative clearance into the available ledger balance.
• Reversals & Invalidation: If an action is refunded, canceled, charged back, or identified as duplicate or fraudulent, Zuvon reserves the right to reverse, freeze, or cancel the associated reward.

6User Conduct, Anti-Fraud & Prohibited Activities

Zuvon enforces zero tolerance for abusive, fraudulent, or manipulative behavior. You agree NOT to:

• Create or operate multiple user accounts.
• Submit forged, photoshopped, stolen, or duplicate screenshots.
• Use proxies, VPN networks, emulators, or botnets to fabricate clicks or location.
• Engage in artificial self-referrals or automated scripting.
• Interfere with the platform’s security, rate limiters, or data integrity.

Any violation will result in immediate account suspension, permanent forfeiture of all accumulated rewards, and potential referral to law enforcement authorities.

7Double-Entry Accounting Ledger & Balance Withdrawals

User balances are recorded in an append-only double-entry financial ledger:

• Minimum Withdrawal Threshold: The minimum balance required to submit a withdrawal request is ₹50.00 INR (Indian Rupees).
• Two-Phase Reserve Hold: Upon submitting a withdrawal request, the requested amount is held in escrow ("Locked" status) to prevent concurrent double-spending while undergoing review.
• Settlement & Disbursement: Cleared payouts are disbursed via supported methods (UPI / Bank Transfer) typically within 24 to 72 business hours. Payout details are encrypted at rest using AES-256-GCM.

8Grievance Redressal Mechanism (IT Rules 2021)

In accordance with Rule 3(2) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, users may lodge any grievance, complaint, or dispute with our designated Grievance Officer:

9Governing Law & Dispute Resolution Jurisdiction

These Terms shall be governed by, interpreted, and construed in accordance with the substantive laws of the Republic of India, without regard to its conflict of law principles.

Any dispute, controversy, claim, or difference arising out of or relating to these Terms, including their breach, termination, or validity, shall be subject to the exclusive jurisdiction of the competent courts located in Bengaluru, Karnataka, India.

10Limitation of Liability & Indemnity

To the maximum extent permitted by applicable Indian law, Zuvon, its directors, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, goodwill, or data, arising out of or related to your use of the platform or external third-party offers.

You agree to defend, indemnify, and hold harmless Zuvon from and against any claims, liabilities, damages, losses, and expenses arising out of your breach of these Terms, submission of fraudulent proofs, or violation of third-party rights.